Coverage Terms
Primary and Non-Contributory
An endorsement or policy provision requiring the insured's coverage to respond first and without seeking contribution from any other available insurance. Corporate clients frequently require law firms to carry insurance on a primary and non-contributory basis so the firm's policy pays before the client's own coverage is triggered. This provision is more common in general liability and commercial auto contexts than in professional liability, where most malpractice policies already respond as primary for the firm's own professional acts. Adding this endorsement may increase the firm's premium or require carrier approval.
Related terms
Additional InsuredA person or entity added to an insurance policy who is not the named insured but receives coverage u...Certificate of InsuranceA document issued by an insurance carrier or broker that provides evidence of coverage, including th...EndorsementA written amendment attached to an insurance policy that modifies the policy's terms, conditions, ex...